Middle class America is most affected by the healthcare crisis. They are working and contributing to society but many are without medical benefits and can't find affordable or cheap health insurance. They make too much to qualify for Medicaid, but too little to afford the high premiums of insurance.
Is There Really a Healthcare Crisis?
According to the Consumer Health Alliance more than 45 million Americans are without health insurance benefits and that number is steadily growing. In most cases, for the households with no benefits, at least one person in the household is working a full-time job. The number of households that have health insurance are dealing with rising premiums, rising co-pays, and a loss of benefits and less options for affordable or cheap health insurance. In fact, health insurance costs are rising by 10% to 15% or more annually.
Affordable Healthcare Options: Dental & Medical Benefits for the Uninsured
The Consumer Health Alliance was launched in 2002. The companies affiliated with the Consumer Health Alliance offer discount medical cards to their members. According to the Consumer Health Alliance, these discount cards are gaining popularity because they allow consumers to gain access to the healthcare they need without the exclusions, limitations, and paperwork typically associated with health insurance. If you are suffering from a medical condition and can not get insurance, a discount plan will not exclude you. In fact, your medical history is of no concern to them. You can enroll in the plan and get affordable care immediately. And even better, the monthly membership fee is nominal.
What if I Already Have Health Insurance?
Even if you have found an affordable or a cheap health insurance plan you can still benefit from a discount healthcare plan. Many of these plans offer supplemental packages that include dental, vision, prescription, and chiropractic benefits that are an affordable complement to health insurance plans. Too many companies are having to scale back the benefits packages for their employees just to keep health insurance affordable. Although a good dental plan is the 2nd most requested benefit, it is also one of the first things to go when a company is forced to cut back.
How do the Medical Card Plans Work?
The plans work this way. For a low monthly fee, members of discount plans gain access to wholesale rates similar to what large insurance companies pay. When care is received at a participating provider, the member pays the discounted fee at the time of service. It is a benefit not only to the member, but also to the provider who is able to get payment up front with no paperwork to file. The services offered by the benefits companies will vary. For example, AmeriPlan Health® offers a comprehensive package for the uninsured that includes doctors, specialists, ancillary care (labs, scans, hearing, etc.), dental, vision, prescription, chiropractic, and hospitalization. They also offer a dental plan that includes free vision, prescription, and chiropractic benefits.
For more information on Consumer Health Alliance, visit www.consumerhealthalliance.org. If you would like more information on AmeriPlan®, you can contact Stacey Hill, AmeriPlan® IBO, at 800-819-4943 or visit www.APlanBenefits.com. For information on group benefits, visit www.AmericanHealthDiscounts.com